Highlands County property record for 1310 Karlo St, Sebring, FL 33875
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,502 sqft · built 2000 |
| Lot Size | 0.456 acres (19,887 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,413 (2024) |
| Deeds & Mortgages | Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C-18-35-29-010-0020-0151 |
| Primary APN | C-18-35-29-010-0020-0151 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,502 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Slate |
| Lot Area | 19,887 sqft (0.456 acres) |
| Lot Dimensions | 150 ft deep x 91 ft wide |
| Garage Type | Finished |
| Garage Area | 520 sqft |
| Driveway | Driveway |
| Driveway Area | 561 sqft |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 96 sqft |
| Patio Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 1310 KARLO ST |
|---|---|
| City | SEBRING |
| State | FL |
| Zip | 33875-5700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | MARTHA ESTATES PB 7 PG 42 W 1/2 OF LT 15 + ALL OF LO BLK 2 + 3/184 INTEREST I |
| Legal Range | 29E |
| Legal Township | 35S |
| Legal Section | 18 |
| Legal Subdivision | MARTHA ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 15 |
| Jurisdiction | HIGHLANDS FL |
| Township / Civil Division | SEBRING |
| Census Block Group | 2 |
| Census Block | 2029 |
| Census Tract | 961304 |
Source: Highlands County records, as of December 12, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1310 KARLO ST, SEBRING, FL 33875-5700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2016 |
| Deed Sale | Mar 24, 2016 |
| Prior Sale | Sep 15, 2000 · Amount on Record |
| Deed Document Number | 0025201138 |
| Prior Transfer Date | Sep 25, 2000 |
| Prior Transfer Doc | 1074907 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HIGHLANDS FL |
| Property Address | 1310 KARLO ST, SEBRING, FL 33875-5700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001977747 |
|---|---|
| Date | Mar 2, 2020 |
| Book Page | 2741/1617 |
| Instrument | 1977747 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | SEBRING, FL 33870 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jan 27, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Highlands County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Highlands County |
| Unified School District | Highlands County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $119,665 (+8.3%) | $185,329 (-25.18%) Land $14,952 Building $170,377 | |
| 2024 | $1,413.00 (+6.4%) | ||
| 2023 | $1,328.00 (+2.71%) Homeowner's exemption | $110,498 (+3%) | $247,697 (+9.61%) Land $14,952 Building $232,745 |
| 2022 | $1,293.00 Homeowner's exemption | $107,280 | $225,981 Land $14,952 Building $211,029 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 17, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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